As a Ventura County, Certified Mortgage Planning Specialist, Kenny Minkel has the professional experience, knowledge & resources to assist you in today's ever-changing & very competitive Home Mortgage environment. As a Loan Officer with 18 years of experience, under the auspices of Ventura Mortgage Broker SelectPlus Lending, Kenny is committed to providing the best & most professional mortgage experience he is capable of bringing to the transaction, whether a purchase or a refinance.
Services
Kenny is a Certified Mortgage Planning Specialist and Independent Loan Officer with 18 years of experience.
As a Loan Officer with Ventura County Mortgage Broker, SelectPlus Lending, he has the unique opportunity to provide a wide variety of loan options and programs for his clients.
Ventura SelectPlus Lending is a Mortgage Brokerage with 40+ Independent Loan Officers in California with access to large wholesale lending institutions such as United Wholesale Mortgage, Stearns Wholesale, Quicken Home Lending, REMN Wholesale, Union Bank, & many others.
As a Loan Officer with Ventura County Mortgage Broker, SelectPlus Lending, he has the unique opportunity to provide a wide variety of loan options and programs for his clients.
Ventura SelectPlus Lending is a Mortgage Brokerage with 40+ Independent Loan Officers in California with access to large wholesale lending institutions such as United Wholesale Mortgage, Stearns Wholesale, Quicken Home Lending, REMN Wholesale, Union Bank, & many others.
Allow us the opportunity to assist you in selecting a mortgage tailored specifically to your needs.
A conventional mortgage or conventional loan is any type of homebuyer's loan that is not offered or secured by a government entity, but rather by or through a guaranteed / private lender, i.e., banks, credit unions, & mortgage companies, or the two government-sponsored enterprises, the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac).
A conventional mortgage or conventional loan is any type of homebuyer's loan that is not offered or secured by a government entity, but rather by or through a guaranteed / private lender, i.e., banks, credit unions, & mortgage companies, or the two government-sponsored enterprises, the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac).
An FHA Loan enables a buyer to purchase a home with down payment less than the "traditional:" 20% down payment as required by Fannie Mae & Freddie Mac.
With an FHA loan, the down payment can be as low as 3.5% of the purchase of the purchase price.
However, as an FHA loan is backed / guaranteed by the U.S. government, because of the low down payment, M.I.(Mortgage Insurance) is required.
This will be required until a 20% LTV, (loan to value), is achieved.
FHA also provides an FHA203K loan which will allow a buyer to purchase a home in need of repair.
With an FHA loan, the down payment can be as low as 3.5% of the purchase of the purchase price.
However, as an FHA loan is backed / guaranteed by the U.S. government, because of the low down payment, M.I.(Mortgage Insurance) is required.
This will be required until a 20% LTV, (loan to value), is achieved.
FHA also provides an FHA203K loan which will allow a buyer to purchase a home in need of repair.
A VA loan is a mortgage loan available through a program established by the United States Department of Veterans Affairs.
VA loans assist service members, veterans, and eligible surviving spouses to become homeowners.
The VA sets the qualifying standards, dictates the terms of the mortgages offered and guarantees a portion of the loan.
VA home loans are originate by Mortgage Brokers, Mortgage Companies & banks.
The Veterans Administration offers a home loan guaranty benefit and other housing-related programs to help the qualified veterans, or their eligible spouse, buy, build, repair, retain, or adapt a home for personal occupancy.
VA loans assist service members, veterans, and eligible surviving spouses to become homeowners.
The VA sets the qualifying standards, dictates the terms of the mortgages offered and guarantees a portion of the loan.
VA home loans are originate by Mortgage Brokers, Mortgage Companies & banks.
The Veterans Administration offers a home loan guaranty benefit and other housing-related programs to help the qualified veterans, or their eligible spouse, buy, build, repair, retain, or adapt a home for personal occupancy.
A Reverse mortgage or HECM, (Home Equity Conversion Mortgage) is exclusively for homeowners 62 years of age or older with equity in their homes and wish to supplement their income.
The Reverse Mortgage is insured by the U.S. Federal Government is, and is only available through an FHA-approved lender.
If you are a homeowner age 62 or older and have paid off your mortgage or paid down a considerable amount, are currently living in the home, you may be eligible to participate in FHA's HECM program.
The Reverse Mortgage is insured by the U.S. Federal Government is, and is only available through an FHA-approved lender.
If you are a homeowner age 62 or older and have paid off your mortgage or paid down a considerable amount, are currently living in the home, you may be eligible to participate in FHA's HECM program.
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